NJSave

Your One-Stop Application for Benefits and Savings in New Jersey!

NJSave is an online application to help low-income older adults and individuals with disabilities save money on Medicare premiums, prescription costs, and other living expenses.

You May Qualify for Programs If

• You are a resident of the State of New Jersey

• You are age 65 or older

• You are between the ages of 18 and 64 and receiving Social Security Disability benefits

• You meet certain income requirements

Benefits and Programs

• Pharmaceutical Assistance to the Aged and Disabled (PAAD)

• Hearing Aid Assistance to the Aged and Disabled (HAAAD)

• Lifeline Utility Assistance

• Medicare Savings Programs

• Senior Gold Prescription Discount Program

Additional Savings Programs

• Universal Service Fund (USF)

• Low-Income Heating and Energy Assistance Program (LIHEAP)

• Supplemental Nutrition Assistance Program (SNAP)

• Property Tax Freeze

• Reduced Motor Vehicle Fees

• Low-Cost Spaying/Neutering

Pharmaceutical Assistance to the Aged and Disabled (PAAD)

The PAAD program reduces co-pays for covered prescriptions to $5 for generic drugs and $7 for brand name drugs, and pays Part D premiums for select plans and some late enrollment penalties.

PAAD also lowers costs during the Part D deductible, coinsurance, and donut-hole phases.

The Senior Gold Prescription Discount Program

Senior Gold is a state-funded prescription discount program to make Medicare prescription drug coverage more affordable.

Senior Gold is for those with incomes $10,000 higher than for PAAD. Out-of-pocket costs are reduced to a $15 copay plus half of the remaining cost of prescription, or capped at $15 in the Senior Gold catastrophic phase.